Amex Improves Business Gold Earning And Benefits, Will Raise Annual Fee In February

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American Express just announced a refresh American Express® Business Gold Card. It comes with 4x Membership Rewards points-earning in new categories; up to $395 in statement credits at select merchants; new 3x points-earning accelerator categories; and an increased annual fee from $295 to $375 (See rates and fees).

Cardmembers can also opt to take the card in Rose Gold, which used to be available only to customers of the Consumer Gold card (I’ve had that one, and it’s quite gorgeous).

  • Initial bonus: There’s an offer for American Express® Business Gold Card to earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

  • Earning: The card will earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. In addition, earn 3X Membership Rewards® points on flights and prepaid hotels booked on using your Business Gold Card.

  • Statement credits: You earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required. You can also get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.

The card’s current $295 annual fee card will go up to $375 for applications received on or after February 1, 2024. Many of you will want to take advantage of a first year at this lower cost by applying now.

For rates and fees of the American Express® Business Gold Card, click here.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. @ Gary — Let’s be honest about these changes. They are not improvements for most card members. The Gold and Gold Business cards have always been pretty useless to me. These cards are good for one thing — the SUB and the 70k offer is crappy.

  2. So shipping was removed as one of the 4x categories. I’m out going to switch to Chase Ink Preferred where I can still get 3x for shipping.

  3. Are these changes per right now? Meaning do you get the benefits and 4x starting today? Or does it start next year?

  4. Not that interested in the card benefits, but I’ll pay the fee just to get a rose gold card.

  5. @Gene – I vehemently disagree, I think the consumer Amex Gold is one of the most underrated cards out there but then we spend a lot at supermarkets and the 4x is huge for us, it’s also my best-earning dining card.

  6. The loss of 4x on shipping kills it for me. I also will shift to the Ink for freight charges.

  7. My wife and I just cancelled 4 business gold accounts… only used for shipping.

    Card is useless for us now.

  8. Bilt is the best earning Dining card. I will take 3X points for their partners any day over 4 for AMEX.

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